When a loved one passes away, dealing with paperwork can be the last thing on your mind. We're here to help make the claims process with SUD Life as straightforward as possible. This guide will walk you through each step, so you can focus on what matters most
The first step in the claim process is to notify SUD Life as soon as possible after the event occurs. This ensures that the claim is initiated promptly, allowing us to support you through the process efficiently
Call 1800-266-8833
Available from 9:00 AM to 7:00 PM, Monday to Saturday
Provide the necessary details to the customer service representative
Send an email to customercare@sudlife.in
Include all relevant claim details in your email
Send your claim intimation and documents to
Star Union Dai-ichi Life Insurance Company Limited Unit no. 1101, 11th Floor, Building No. 1, Raheja Mindspace Juinagar, Plot No. GEN 2/1/E, TTC Industrial Area, MIDC Juinagar, Navi Mumbai – 400706
Once SUD Life receives your claim intimation, the processing phase begins.
Document Review
The claims department at SUD Life will carefully review all the documents you've submitted.
Additional Information Requests:
Status Updates
Throughout the process, SUD Life will keep you (the claimant) updated about the status of your claim.
Claim Reference Number:
Investigation (if required)
In some cases, SUD Life may need to conduct an investigation to verify claim details.
The final step involves SUD Life making a decision on the claim and communicating it to you.
Claim Assessment
Decision Communication
Payment Details (if approved)
Turnaround time for Death and Health claims decision as mandated by Insurance Regulation and Development Authority of India (IRDAI):
| Documents Needed | Individual Life | PMJJBY | Group Term Employer- Employee | Group Credit Life | CASA |
|---|---|---|---|---|---|
| Completely filled & signed Claim Intimation form with nominee consent | Yes* | No | Yes* | Yes* | Yes* |
| PMJJBY Claim Intimation Form including discharge voucher duly signed and stamped by Bank | No | Yes* | No | No | No |
| Loan Account statement | No | No | No | Yes* | No |
| Original Death Certificate / Attested copy of death certificate | Yes* | Yes* | Yes* | Yes* | Yes* |
| Proof of Cremation-Soft copy | No | No | No | No | No |
| Proof of Cremation-Website | No | No | No | No | No |
| Copy of ID proof of nominee | Yes* | Yes* | Yes* | Yes* | Yes* |
| Copy of Address proof of nominee | Yes* | Yes* | Yes* | Yes* | Yes* |
| Copy of ID proof of Appointee(when benefitiary is minor) | Yes* | Yes* | Yes* | Yes* | Yes* |
| Copy of Address proof of Appointee(when benefitiary is minor) | Yes* | Yes* | Yes* | Yes* | Yes* |
| Copy of ID proof of Life Assured | Yes* | Yes* | Yes* | Yes* | Yes* |
| Copy of Address proof of Life Assured | Yes* | Yes* | Yes* | Yes* | Yes* |
| Copy of Bank passbook OR cancelled cheque of nominee | Yes* | Yes* | Yes* | Yes* | Yes* |
| Bank a/c statement of Life Assured showing the Insurance Premium Debit. | No | Yes* | No | No | Yes* |
| Copies of First Information Report, Post Mortem Report, Panchnama, duly attested by police officials, in case of unnatural deaths including accidents, murder, suicide etc. | Yes* | Yes* | Yes* | Yes* | Yes* |
| Copy of Hospitalization documents (discharge summary, all investigation/diagnosis reports) in case the Member was treated for any illness related to the cause of death | Yes* | Yes* | Yes* | Yes* | Yes* |
| Any other document or information that we may need to process the claim depending on the cause or nature of the claim | Yes* | No | Yes* | Yes* | Yes* |
| Death at Foreign location in case of unnatural deaths including accidents, murder, suicide etc.-Incident report specific to Administration | No | No | No | No | No |
| Death at Foreign location in case of unnatural deaths including accidents, murder, suicide etc.-Incident report specific to Administration or Newspaper report-Website link | No | No | No | No | No |
| Details of Insurance with companies other than SUD Life | Yes* | Yes* | Yes* | Yes* | Yes* |
| Documentation | Critical Illness | Disability | Covid Rider |
|---|---|---|---|
| Diagnostic report confirming CI | Yes* | No | No |
| LA ID Proof | Yes* | Yes* | Yes* |
| LA Address Proof | Yes* | Yes* | Yes* |
| Printed LA Bank Passbook | Yes* | Yes* | Yes* |
| Disability certificate | No | Yes* | No |
| First Information Report | No | Yes* | No |
| Hospital Discharge Summary | Yes* | Yes* | Yes* |
| COVID lab test report | No | No | Yes* |
| Nominee ID Proof* | Yes* | Yes* | Yes* |
| Nominee Address Proof* | Yes* | Yes* | Yes* |
| Printed Nominee Bank Passbook* | Yes* | Yes* | Yes* |
| Copy of Hospitalization documents (discharge summary, all investigation/diagnosis reports) in case the Member was treated for any illness related to the cause of death | Yes* | No | Yes* |
| Any other document or information that we may need to process the claim depending on the cause or nature of the claim | Yes* | Yes* | Yes* |
| Details of Insurance with companies other than SUD Life | Yes* | Yes* | Yes* |
*If Life Assured is not alive
The claim money will be paid to the beneficiary who is the nominee/assignee/appointee (in case of a minor) as mentioned by the life assured in the application form.
Your concerns regarding the decision of claim
SUD Life has a Claims Review Committee consisting of functional heads of various departments of the company.
If you do not agree with the claim decision, you can send a letter addressed to the Committee at the address given below:
Claims Review Committee
Star Union Dai-ichi Life Insurance Company Limited
Unit no. 1101, 11th Floor, Building No. 1, Raheja Mindspace Juinagar, Plot No. GEN 2/1/E, TTC Industrial Area, MIDC Juinagar, Navi Mumbai – 400706